Inside Worldline

Inside Worldline brings together our talents and experts from all corners of our Company to bring you key insights into what we do and how we envision the future. Here, we will cover a broad range of topics, from payments, terminals, e-Commerce, m-Commerce and online banking to key trending topics, such as the Internet of Things, Connected Living, wallet and mobile payments. Each week, we will deliver new articles, through which you will be able to get a glimpse of the inner workings of Worldline, our innovations, our milestones and a fresh outlook on the future of transactions and payments. Enjoy.

The Internet of Things (IoT) is ever present in our daily lives and its reach does not stop there. Indeed, IoT will probably play a key role in the industrial sector. We sat down with Robin Just, the Deputy Director of our Global Business Division Connected Living & Mobility, to discuss the role of IoT in industrial remote maintenance and our solution, WL Industrial IoT.Read the interview.

Part of Worldline’s core expertise, the payments terminals market is currently growing all over the world thanks to, notably, NFC technology and the PCI PTS 4 certification. In his interview, Antoine Van Diem discusses this market and Worldline’s place in it.Read the interview.

Digital is transforming many, if not all, aspects of our daily lives and that also includes the rail industry. We interviewed Tony Lacy, our Global e-ticketing Business Division Director, on the Digital Transformation of the rail industry, the challenges it faces and how Worldline is helping the actors of this industry through these changes.Read the interview.

The Worldline Group has enhanced its activities in its Merchant Services & Terminals (MS&T) Global Business Line with the PaySquare acquisition. Furthermore, the Worldline Group has also improved its Commercial Acquiring offering with a partnership with Komerční Banka (KB). Discover more about the main changes to our Merchant Services & Terminals Global Business Line.Read the article.

Nowadays, a strong and structured CSR approach means good and sustainable business for customers, employees, shareholders and its ecosystem. This is why Worldline has, since its initial public offering in 2014, developed its Corporate Social Responsibility strategy. We once again confirm our commitment by launching our new CSR program: “TRUST 2020”.Read the article.

In his briefing about the European Banking Authority (EBA) Guidelines on internet payment security, Olivier Maas, expert in payment security, explains how banks can handle these regulatory requirements, in preparation of the PSD2, and how Worldline can help them in their endeavors.Read the briefing.

Blockchain is a topic that interests more and more people. Worldline’s R&D department has been working on this subject to develop new solutions. The Blockchain technology allows the creation of an authenticated, accountable and distributed chronological tracking system of transactions or events on a unique ledger. It is self-managed, secured, and works with a set of rules and a calculation process. Initially, it was created in 2008 to support digital payments made in Bitcoins, but it is now becoming more and more developed for other uses.Read the briefing.

In our ongoing series about our Corporate Social Responsibility, we give you a detailed view of the different axes of our report. In this interview, Stéphanie Noguès discusses sustainability, its inherent inclusion in our solutions and their sustainable qualities.Read the interview.

WL Contact helps manage inbound, outbound and bounce contacts via all channels used by consumers. One of our customers discusses the benefits of our solution for his business and the positive impacts it had since its implementation. Discover the interview.

For several years now, Worldline has been present at the Mobile World Congress in Barcelona, the largest global event around mobile solutions. In 2014, the show’s organizers launched the Mobile Ready Initiative with the goal of bringing mobile technologies to the city center. Worldline has also been participating to it since its launch and, this year, we deployed our innovations in a Veritas supermarket in the city center. We talked about this with Nicolas Kozakiewicz and Santi Ristol. Read the article.

Digital Transformation changes companies on multiple levels. One of these levels is the digitization of their processes. Digitization brings simplification to these processes while maintaining high levels of security. We sat down with Etienne Plouvier to discuss digitization and its importance in companies’ Digital Transformation.Read the article.

Big Data enables the integration of unstructured data, such as website navigation and customer reviews, with transactional data from online and in-store purchases, in order to enable more precise analyzes, a more detailed understanding of the consumers and, therefore, contextualized and more personalized marketing actions. We discussed this topic and our dedicated WL Contextual Analytics solution with Philippe Van Loveren.Read the article.

Synergy between online and physical stores is a thing of the past. Indeed, e-Commerce, m-Commerce and physical stores have merged to create the digital store. In this video interview, Pierre Cailleux discusses these changes and presents our WL Omnicommerce solution.Watch the interview.

Wearables are quite popular these days. Whether it is to track our physical activities, with a connected bracelet, or to have all our information on our wrist, with a smartwatch, these connected objects are now part of our daily lives. We sat with Jean-Claude Barbezange to discuss wearables and their positive impact on the buying journey.Read the interview.

Tomorrow’s payments will be done with our smartphones, whether it is online or in physical stores. Our payment cards will be integrated inside digital wallets and the payment experience will be the same regardless of the channel in which we shop. Michel-Ange Camhi told us more about this. Read the interview.

Consumers are increasingly more connected and want to be able to get in touch with brands and companies whenever they want, through whichever communication channel they prefer. In this context, Worldline helps its clients with dedicated solutions to stay better connected with their clients. In this video interview, Laurent Martin highlights these changes and our WL Contact solution.Watch the interview.

In our ongoing series about our Corporate Social Responsibility, we give you a detailed view of the different axes of our report. In this article, Marc-Henri Desportes, our General Manager, discusses how our customers' priorities are fully integrated in our CSR approach. Read the interview.

Worldline intends to join forces with Equens to strengthen its pan-European leadership in payment services. A transformational deal for Worldline, providing the enlarged Worldline Group a highly comprehensive pan-European footprint. Read more about this major project.

In our ongoing series about our Corporate Social Responsibility, we give you a detailed view of the different axes of our report.
In this article, we talk CSR with Gilles Grapinet, our CEO. Read the interview.

In our ongoing series about our Corporate Social Responsibility, we give you a detailed view of the different axes of our report. In this article, we look at how innovation is central to everything we do. Read the article.

In our ongoing series about our Corporate Social Responsibility, we give you a detailed view of the different axes of our report. In this article, we explore our materiality challenges and the importance of our stakeholders' opinion. Read more.

We sat down with Roger Mechri, from FEXCO, and Nick Dalgaard, from Worldline, to discuss our new DCC at ATM solution. This new service enables foreign cardholders to pay for withdraws in their home currency instead of the ATM’s local currency, giving them a precise understanding of the applied exchange rate at the time of the transaction. Read more.

2014 will be well remembered in Worldline as the beginning of our Corporate Social Responsibility journey and our first step in the consolidation of our Corporate Social Responsibility commitment. Read more.

With Top Partners, such as Samsung, we are joining forces and resources, for a specified period, to achieve a common objective, and the Innovation Week is a perfect example of such a symbiotic partnership that has both global and local business impacts. Read more.

The use of big data creates tremendous business opportunities that benefit data providers and end users alike. In their latest position paper, our Financial Processing & Software Licensing team details the increasing security and privacy challenges and the subsequent investment needs for banks offering card-linked offers. Read more.

Our payment card personalization solution, MyCard Profiler, allows users to change some settings on their cards, such as the limit and the restrictions around purchase channels, among others. Julien Gabillet explained how it works and the evolution of the payment card. Read more.

MyBank offers a real-time authorization solution that allows consumers to be automatically redirected to their online banking portal to securely validate a transfer to an e-merchant. Cyril Dougier, Business Developer for MyBank, told us more about this service and the evolution of online purchases.

Can you imagine a product talking to you in the shop selling itself? Or getting all the promotions for your shopping list on your smart watch when you are in a store? These possibilities, and more, are just around the corner and Santi Ristol shared his views on these new paradigms with us.

Our new retail Host Point of Sale (HPE) solution won the 'PayForum Award 2015' at the Salon PayForum in Paris. This innovation allows retailers to accept contactless payments via a simple mobile app. We talked to Jérôme Ferrer, our Business Developer, about this solution, the mPOS market and the future of mobile payments. Read more.

In the second part of his interview, Emmanuel Chivot presents Worldline Merchant Billing, our solution to help companies digitize and streamline their billing process, as well as the benefits of this solution for them and for consumers.Read the interview.

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In the first part of his interview, Emmanuel Chivot discusses how digital transformation is impacting consumption habits, the challenges that companies face in regards to said payments, regulations related to billing and more.Read the interview.

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Internal mobility, a key part of our HR strategy, is a career’s development tool, which grants more flexibility to teams, enabling them to remain in motion for the well-being of team members and companies alike. Laurence Poilfoulot and Laurette Vandenplas discuss internal mobility and present Worldline’s HR initiatives on this matter.Read the interview.

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Since our initial public listing in 2014, our key strategic goal has always been to be an active leader in the consolidation of the payments industry in Europe. The merger between Worldline and Equens marks a major milestone towards this strategic goal. Discover the key changes to our Financial Processing & Software Licensing Global Business Line.Read the article.

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As in many industries, the manufacturing industry faces new stakes due to the rise of digital. In this context, Worldline guides manufacturers on various levels through this digital transformation. In this interview, Ingrid Winter discusses these stakes and Worldline’s implication in this industry through concrete customers’ cases.Read the interview.

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The digital transformation of the point of sale is a key axis of Bouygues Telecom’s strategy. Thus, it is in this context that, in early 2015, Bouygues Telecom began the transformation of its 550 points of sale, which represent the company’s showcase and brand image. Bouygues Telecom naturally turned to Worldline for help with this implementation, following a first successful contact regarding SEPA mandates in 2013, the goal being to create a fully digitized customer journey.Discover the interview.

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Our people are what make Worldline a successful company. This human capital is essential to everything we do which is why we have developed, and will continue to develop, ambitious HR programs to help them reach their professional targets. This special attention to our people does not just start once you have joined our company; it also permeates through our recruiting. We sat down with Patrice Gry, our HR Director, to discuss our hiring strategy, the profiles we are looking for, our values and the career paths at Worldline.Read the interview.

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At EBAday 2016, the leading forum to learn, discuss and debate the key trends driving change in the payments industry, Wolf Kunisch participated in a panel discussion on alternative payments and technology. He outlined how banks can combine trust with new models to serve the customer by providing a frictionless consumer experience and the role of identity in the payments value chain, subjects he is also discussing in this specific article on identity.Read the article.

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In the e-banking landscape, strong authentication is becoming the new norm to bring security in the relationship between banks and their customers. Indeed, market dynamics are pushing for more customer authentication. Julien Gabillet discusses these changes, Risk-Based Authetication and our WL Access Control Server solution.Read the article.

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The world of connected objects is rapidly evolving and the current trend is the enhancement of objects, which are already helpful in our daily life, by adding connectivity through the Internet of Things. In this context, Worldline works with its clients in order to identify new innovative concepts for their end users. Guillaume Lefebvre discusses this evolution and WL Connected Piggy Bank, connected object for our banking clients.Read the interview.

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In our ongoing series about our Corporate Social Responsibility, we give you a detailed view of the different axes of our report. In this interview, Karl Alles discusses the importance of security and data protection in our CSR approach and how they are key ingredients in our goal to build clients’ trust with available and secured platforms and to reinforce value for clients through sustainable and innovative offers.Read the interview.

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Each year, the PayForum Awards reward the most innovative solutions and products of the payment industry in France. This year, Worldline submitted three applications, out of a total of 147 applications, and won three Awards, out of a total of 16 winners. Discover the winning solutions.

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Digital is transforming the customer journey and, more particularly, the payment, key step in this journey. We talked with Michel-Ange Camhi about this Digital Transformation of payments.Read the interview.

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Innovation is in our Company's DNA. There are different types of innovation including disruptive innovation. Frédéric Oblé, our R&D Director, discusses this type of innovation and presents Hyve, our personal assistant concept.Read the interview.

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We participated in the Decision Matrix on Card Management System Platforms from Ovum, a global renowned business analyst that focuses in payments. We sat down with Reiner Wergen to discuss this analysis and our WL Pay solution. Read the interview.

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The mobile payments industry has evolved by leaps and bounds in the last few years and consumers are increasingly looking to pay with their smartphones in physical stores. We sat down with Abdelkrim Azzouza to talk about mobile payments and our dedicated in-store mobile payment solution, Smartpay.Read the interview.

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Whether it is on-the-go, online or in store, for purchases or banking transactions, there is a need for strong authentication of the end-user's identity. This authentication needs to be secured and user-friendly at the same time. WL Trusted Authentication, 2015 SESAMES Awards finalist, is our strong authentication solution that does just that and more. Ulrike Rahnama talked with us about authentication and our solution.Read the interview.

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Digital has changed customers' buying journeys and this has shifted retail and eCommerce closer together. This trend is at the core of the Paris Retail Week event which we discussed with Julien Decoster. Read the interview.

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Worldline helps banks through this digital transformation with dedicated solutions. Our Digital Assistant, dedicated solution for banks, just received a top prize at the Banking & Innovation trade show. Watch the interview.

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Today's cars embark more and more connectivity and this trend is not stopping any time soon. But will connectivity and telematics become key buying factors for consumers in the future? Pascal Pediroda discusses this and more.Read the interview.

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Digital is changing how banks work and they need to adapt in order to continue to serve their customers efficiently. We sat down with Christophe Bouvard to discuss online banking, banks’ digital transformation and how Worldline helps them to navigate these changes. Read the interview.

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Mobile booming and the exponential growth rate of smartphones have changed the way consumers behave and their buying journey. To support this new way of consuming, McDonald’s France has decided to build with Worldline a unique, customized platform including a wallet to enable them to start the digital transformation. Read more.

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Over the last 40 years, Worldline has been a key player in the e-payments and transactions industry, focusing on innovation and delivering breakthrough solutions, that have fully integrated our daily life, crowned by multiple industry awards. Read more.

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In our 2nd post on Samsung’s Innovation Week, we focus on our featured solutions in the Parisian pop-up store. Julien Decoster shares their functionalities and how they can change physical stores. Read more.

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Today, connected objects are everywhere and their functionalities are evolving on a daily basis. We sat down with Guillaume Lefebvre to discuss the Internet of Things and the future of connected objects. He also explained how our Connected Kitchen answers these challenges. Read more.

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Imagine a world where you can find, book and pay for your hotel room, check in and out, and access a whole host of local information, services and experiences through a seamlessly integrated mobile application. Santi Ristol shared his vision on such an experience. Read more.

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Today, every consumer is a digital consumer. They’re connected, informed, and have high expectations. This is no truer than in the retail industry, which has gone through a total transformation as the mobile era takes hold. Anne Sharma, our Business Developer, shares her views on the connected shopping revolution. Read more.

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Europe, this cosmopolitan community of 28 countries, has many benefits for businesses, merchants and consumers. SEPA, and its new tools for payment, is part of them. To discover all its ins and outs and our dedicated solutions, we spent time with Sylvie Calsacy. Read more.

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As consumers continue to adopt new payments methods, we sat down with Virginie Waroquiers, our International Director – Commercial Acquiring, to discuss the inherent challenges from the merchants’ perspective. Read more.

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